We use your pre-tax income because lenders calculate your borrowing power based on gross, not take-home. Enter whatever you earn before taxes and deductions โ annual is easiest but any frequency works.
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Gross monthly: $0
We estimate this using a simplified federal tax rate. Adjust it to match your actual paycheck.
Auto-estimated from your gross. Adjust to match your actual paycheck โ check your last 2 pay stubs.
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This is a rough estimate using federal brackets + ~5% state. High-tax states (CA, NY, NJ) will be lower. Always verify against your actual paycheck โ this number affects all calculations.
Enter your total liquid savings โ checking, savings accounts, anything you could access for a down payment. We'll subtract a 3-month emergency reserve and show you what's actually available to put toward a home.
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Used to show local home prices in Look
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Combined gross
$0
Gross monthly: $0
Add both paychecks together after taxes
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Combined estimate โ verify both paychecks. High-tax states will differ significantly.
These four signals give you a quick read on your financial health before applying for a mortgage. Lenders look at similar numbers to decide how much you can borrow โ knowing them now means no surprises later.
Housing % of gross 0%
Lenders prefer ≤ 28%
This is your rent or mortgage as a percentage of your gross (pre-tax) income. Lenders generally want this under 28%. If you're over, you may qualify for less than expected โ or need a larger down payment to offset it.
Debt-to-income ratio 0%
Housing + vehicle + loansLenders prefer ≤ 36%
DTI adds up your housing cost, vehicle payments, student loans, and credit cards, then divides by gross income. Most lenders cap this at 36โ43%. High DTI doesn't mean you can't buy โ it means the path requires some planning.
Monthly surplus —
What's left after your take-home pay covers all expenses. Your surplus becomes your monthly savings engine โ the bigger it is, the faster you build your down payment. A negative surplus means expenses outpace income and is worth addressing before you start looking.
Available for House Fund —
Add your expenses to calculate
For the most accurate result, capture all your monthly savings and spending above.
This is your current savings minus a 3-month emergency reserve. Lenders and financial advisors recommend keeping that cushion untouched โ so we set it aside and show you what's realistically available for a down payment.
Estimates only โ not financial advice.
Savings Trajectory (36 months)
This chart shows how long it takes to reach each down payment milestone at your current savings rate. The dashed lines are 5%, 10%, 15%, and 20% of your estimated home price. Reaching 20% means no PMI โ which saves you money every month.
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